5764 Underwriting Jobs - Page 43

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together. As part of our strategic initiative to build a centralized capability around data and cloud engineering, we are establishing a dedicated Azure Cloud Data Engineering practice. This team will be at the forefront of designing, developing, and deploying scalable data solutions on cloud primarily using Microsoft Azure platform. The practice will serve as a centralized team, driving innovation, standardization, and best practices across cloud-based data initiatives. New hires will play a pivotal role in shaping the future of our data landscape, collaborating with cross-functional teams, clients, and stakeholders to deliver impactful, end-to-end solutions. Primary Responsibilities Ingest data from multiple on-prem and cloud data sources using various tools & capabilities in Azure Design and develop Azure Databricks processes using PySpark/Spark-SQL Design and develop orchestration jobs using ADF, Databricks Workflow Analyzing data engineering processes being developed and act as an SME to troubleshoot performance issues and suggest solutions to improve Develop and maintain CI/CD processes using Jenkins, GitHub, Github Actions etc Building test framework for the Databricks notebook jobs for automated testing before code deployment Design and build POCs to validate new ideas, tools, and architectures in Azure Continuously explore new Azure services and capabilities; assess their applicability to business needs Create detailed documentation for cloud processes, architecture, and implementation patterns Work with data & analytics team to build and deploy efficient data engineering processes and jobs on Azure cloud Prepare case studies and technical write-ups to showcase successful implementations and lessons learned Work closely with clients, business stakeholders, and internal teams to gather requirements and translate them into technical solutions using best practices and appropriate architecture Contribute to full lifecycle project implementations, from design and development to deployment and monitoring Ensure solutions adhere to security, compliance, and governance standards Monitor and optimize data pipelines and cloud resources for cost and performance efficiency Identifies solutions to non-standard requests and problems Support and maintain the self-service BI warehouse Mentor and support existing on-prem developers for cloud environment Comply with the terms and conditions of the employment contract, company policies and procedures, and any and all directives (such as, but not limited to, transfer and/or re-assignment to different work locations, change in teams and/or work shifts, policies in regards to flexibility of work benefits and/or work environment, alternative work arrangements, and other decisions that may arise due to the changing business environment). The Company may adopt, vary or rescind these policies and directives in its absolute discretion and without any limitation (implied or otherwise) on its ability to do so Required Qualifications Undergraduate degree or equivalent experience 4+ experience in Data & Analytics engineering Experience working with Azure, Databricks, and ADF, Data Lake experience Eorking with data platform or product using PySpark and Spark-SQL Solid experience with CICD tools such as Jenkins, GitHub, Github Actions, Maven etc. In-depth understanding of Azure architecture & ability to come up with efficient design & solutions Highly proficient in Python and SQL Proven excellent communication skills Preferred Qualifications Snowflake, Airflow experience Power BI development experience Experience or knowledge of health care concepts - E&I, M&R, C&S LOBs, Claims, Members, Provider, Payers, Underwriting At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. #NIC

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together. As part of our strategic initiative to build a centralized capability around data and cloud engineering, we are establishing a dedicated Azure Cloud Data Engineering practice under RMI - Optum Advisory umbrella. This team will be at the forefront of designing, developing, and deploying scalable data solutions on cloud primarily using Microsoft Azure platform. The practice will serve as a centralized team, driving innovation, standardization, and best practices across cloud-based data initiatives. New hires will play a pivotal role in shaping the future of our data landscape, collaborating with cross-functional teams, clients, and stakeholders to deliver impactful, end-to-end solutions. Primary Responsibilities Design and implement secure, scalable, and cost-effective cloud data architectures using cloud services such as Azure Data Factory (ADF), Azure Databricks, Azure Storage, Key Vault, Snowflake, Synapse Analytics, MS Fabric/Power BI etc. Define and lead data & cloud strategy, including migration plans, modernization of legacy systems, and adoption of new cloud capabilities Collaborate with clients to understand business requirements and translate them into optimal cloud architecture solutions, balancing performance, security, and cost Evaluate and compare cloud services (e.g., Databricks, Snowflake, Synapse Analytics) and recommend the best-fit solutions based on project needs and organizational goals Lead the full lifecycle of data platform and product implementations, from planning and design to deployment and support Drive cloud migration initiatives, ensuring smooth transition from on-premise systems while engaging and upskilling existing teams Lead and mentor a team of cloud and data engineers, fostering a culture of continuous learning and technical excellence Plan and guide the team in building Proof of Concepts (POCs), exploring new cloud capabilities, and validating emerging technologies Establish and maintain comprehensive documentation for cloud setup processes, architecture decisions, and operational procedures Work closely with internal and external stakeholders to gather requirements, present solutions, and ensure alignment with business objectives Ensure all cloud solutions adhere to security best practices, compliance standards, and governance policies Prepare case studies and share learnings from implementations to build organizational knowledge and improve future projects Building and analyzing data engineering processes and act as an SME to troubleshoot performance issues and suggesting solutions to improve Develop and maintain CI/CD processes using Jenkins, GitHub, Github Actions, Maven etc Building test framework for the Databricks notebook jobs for automated testing before code deployment Continuously explore new Azure services and capabilities; assess their applicability to business needs Create detailed documentation for cloud processes, architecture, and implementation patterns Contribute to full lifecycle project implementations, from design and development to deployment and monitoring Identifies solutions to non-standard requests and problems Mentor and support existing on-prem developers for cloud environment Comply with the terms and conditions of the employment contract, company policies and procedures, and any and all directives (such as, but not limited to, transfer and/or re-assignment to different work locations, change in teams and/or work shifts, policies in regards to flexibility of work benefits and/or work environment, alternative work arrangements, and other decisions that may arise due to the changing business environment). The Company may adopt, vary or rescind these policies and directives in its absolute discretion and without any limitation (implied or otherwise) on its ability to do so Required Qualifications Undergraduate degree or equivalent experience 12+ years of overall experience in Data & Analytics engineering 10+ years of solid experience working as an Architect designing data platforms using Azure, Databricks, Snowflake, ADF, Data Lake, Synapse Analytics, Power BI etc. 10+ years of experience working with data platform or product using PySpark and Spark-SQL In-depth experience designing complex Azure architecture for various business needs & ability to come up with efficient design & solutions Solid experience with CICD tools such as Jenkins, GitHub, Github Actions, Maven etc. Experience in leading team and people management Highly proficient and hands-on experience with Azure services, Databricks/Snowflake development etc. Excellent communication and stakeholder management skills Preferred Qualifications Snowflake, Airflow experience Power BI development experience Eexperience or knowledge of health care concepts - E&I, M&R, C&S LOBs, Claims, Members, Provider, Payers, Underwriting At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. #NIC

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together. As part of our strategic initiative to build a centralized capability around data and cloud engineering, we are establishing a dedicated Azure Cloud Data Engineering practice. This team will be at the forefront of designing, developing, and deploying scalable data and reporting solutions on cloud primarily using Microsoft Azure platform and Power BI. The practice will serve as a centralized team, driving innovation, standardization, and best practices across cloud-based data initiatives. New hires will play a pivotal role in shaping the future of our data landscape, collaborating with cross-functional teams, clients, and stakeholders to deliver impactful, end-to-end solutions. This position will design, develop, implement, test, deploy, monitor, and maintain the delivery of data enrichments and reporting models using MS Fabric/PBI infrastructure. Primary Responsibilities Work with BI team to build and deploy healthcare data enrichments Design and develop high performance reporting models and dashboards using Power BI/MS Fabric Deploy and manage the Power BI dashboard using Power BI service Ensure connectivity with various sources flat files, on-prem databases, Snowflake, Databricks using Live, Direct Query and Import connections Design and develop Azure Databricks jobs using Python & Spark Develop and maintain CI/CD processes using Jenkins, GitHub, Maven Maintain high quality documentation of data definitions, transformations, and processes to ensure data governance and security Continuously explore new Azure, Power BI features and capabilities; assess their applicability to business needs Create detailed documentation for PBI/MS Fabric processes, architecture, and implementation patterns Prepare case studies and technical write-ups to showcase successful implementations and lessons learned Work closely with clients, business stakeholders, and internal teams to gather requirements and translate them into technical solutions using best practices and appropriate architecture Contribute to full lifecycle project implementations, from design and development to deployment and monitoring Ensure solutions adhere to security, compliance, and governance standards Identifies solutions to non-standard requests and problems Support and maintain the self-service BI warehouse Work with business owners to add new enrichments and to design and implement new reporting models Comply with the terms and conditions of the employment contract, company policies and procedures, and any and all directives (such as, but not limited to, transfer and/or re-assignment to different work locations, change in teams and/or work shifts, policies in regards to flexibility of work benefits and/or work environment, alternative work arrangements, and other decisions that may arise due to the changing business environment). The Company may adopt, vary or rescind these policies and directives in its absolute discretion and without any limitation (implied or otherwise) on its ability to do so Required Qualifications Undergraduate degree or equivalent experience 7+ years of overall experience in Data & Analytics engineering 5+ years of experience designing, developing and deploying MS Fabric and Power BI dashboards 5+ years of experience working with Azure, Databricks, and Pyspark/Spark-SQL Solid experience with CICD tools such as Jenkins, GitHub etc. In-depth understanding of MS Fabric and Power BI along with deploying and managing dashboards, Apps and Workspaces along with access and security management Proven excellent communication skills Preferred Qualifications Snowflake/Airflow experience Experience or knowledge of health care concepts - E&I, M&R, C&S LOBs, Claims, Members, Provider, Payers, Underwriting At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. #NIC

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together. As part of our strategic initiative to build a centralized capability around data and cloud engineering, we are establishing a dedicated Azure Cloud Data Engineering practice. This team will be at the forefront of designing, developing, and deploying scalable data solutions on cloud primarily using Microsoft Azure platform. The practice will serve as a centralized team, driving innovation, standardization, and best practices across cloud-based data initiatives. New hires will play a pivotal role in shaping the future of our data landscape, collaborating with cross-functional teams, clients, and stakeholders to deliver impactful, end-to-end solutions. Primary Responsibilities Ingest data from multiple on-prem and cloud data sources using various tools & capabilities in Azure Design and develop Azure Databricks processes using PySpark/Spark-SQL Design and develop orchestration jobs using ADF, Databricks Workflow Analyzing data engineering processes being developed and act as an SME to troubleshoot performance issues and suggest solutions to improve Develop and maintain CI/CD processes using Jenkins, GitHub, Github Actions etc. Building test framework for the Databricks notebook jobs for automated testing before code deployment Design and build POCs to validate new ideas, tools, and architectures in Azure Continuously explore new Azure services and capabilities; assess their applicability to business needs. Create detailed documentation for cloud processes, architecture, and implementation patterns Work with data & analytics team to build and deploy efficient data engineering processes and jobs on Azure cloud Prepare case studies and technical write-ups to showcase successful implementations and lessons learned Work closely with clients, business stakeholders, and internal teams to gather requirements and translate them into technical solutions using best practices and appropriate architecture Contribute to full lifecycle project implementations, from design and development to deployment and monitoring Ensure solutions adhere to security, compliance, and governance standards Monitor and optimize data pipelines and cloud resources for cost and performance efficiency Identifies solutions to non-standard requests and problems Support and maintain the self-service BI warehouse Mentor and support existing on-prem developers for cloud environment Comply with the terms and conditions of the employment contract, company policies and procedures, and any and all directives (such as, but not limited to, transfer and/or re-assignment to different work locations, change in teams and/or work shifts, policies in regards to flexibility of work benefits and/or work environment, alternative work arrangements, and other decisions that may arise due to the changing business environment). The Company may adopt, vary or rescind these policies and directives in its absolute discretion and without any limitation (implied or otherwise) on its ability to do so Required Qualifications Undergraduate degree or equivalent experience 4+ years of overall experience in Data & Analytics engineering 4+ years of experience working with Azure, Databricks, and ADF, Data Lake Solid experience working with data platforms and products using PySpark and Spark-SQL Solid experience with CICD tools such as Jenkins, GitHub, Github Actions, Maven etc. In-depth understanding of Azure architecture & ability to come up with efficient design & solutions Highly proficient in Python and SQL Proven excellent communication skills Preferred Qualifications Snowflake, Airflow experience Power BI development experience Experience or knowledge of health care concepts - E&I, M&R, C&S LOBs, Claims, Members, Provider, Payers, Underwriting At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes — an enterprise priority reflected in our mission. #NIC

The Credit Executive holds a crucial position in the credit evaluation and underwriting process for EV asset financing, specifically L3 e-rickshaws and lithium-ion batteries. Your responsibilities will include conducting comprehensive credit checks, evaluating risk profiles, verifying customer documentation, analyzing financial and non-financial data, and ensuring that all loans adhere to company policies and regulatory standards. This role is dedicated to serving individual drivers and fleet operators in urban and semi-urban markets. Your key responsibilities will involve: Credit Evaluation and CIBIL Checks: - Perform thorough credit assessments of loan applicants by scrutinizing their CIBIL score/report and other credit bureau data like Experian and CRIF. - Identify warning signs such as recent multiple loan applications, delinquency, or high EMI-to-income ratios. Document Verification and KYC: - Examine customer KYC documents such as Aadhaar, PAN, voter ID, and address proof. - Validate income proof, business ownership or employment details, and documents for informal or semi-formal income sources. - Review and confirm guarantor details and documents where necessary. Loan Approval and Compliance: - Ensure all credit decisions align with internal credit policies, product parameters, and risk tolerance. - Make recommendations for approval or rejection based on a comprehensive risk assessment. - Escalate borderline or high-risk cases to senior credit approvers or risk committees. Requirements: - Bachelor's degree in Finance, Commerce, Business Administration, or a related field. - Minimum of 3 years of experience in credit underwriting or loan processing, preferably in vehicle, EV, or asset financing. - Proficient knowledge in CIBIL and credit bureau reports, informal income assessment, and retail underwriting standards. - Familiarity with field verification, KYC norms, and documentation practices. - Detail-oriented with exceptional analytical and risk assessment skills. - Willingness to travel if required. Preferred Qualifications: - Experience in NBFCs or fintechs financing 2W/3W vehicles, EVs, or related sectors. - Understanding of low-income customer segments and Tier 2/3 lending environments. - Multilingual capabilities, particularly in regional or local dialects. - Exposure to underwriting non-prime or financially underserved customers.,

As an Underwriter at ThoughtFocus, you will play a crucial role in evaluating and analyzing risks, reviewing insurance applications, and assessing coverage to determine conditions and terms of insurance policies. Your responsibilities will include conducting detailed research, preparing reports, and maintaining accurate records to support effective underwriting decisions. Collaboration with team members will be essential to ensure precise outcomes. You will be expected to assess the 4Cs - Credit, Capacity, Capital, and Collateral - documentation to determine loan eligibility in alignment with Fannie/Freddie and client protocols. For Credit assessment, you will scrutinize Credit Reports for Borrower identification, SSN validation, Credit Score, Public Records, recent Inquiries, Address Consistency within the last 24 months, and Additional SSN verification. Additionally, you will review liabilities, checking for mortgage delinquencies within the past 12 months. Assessing Capital involves gauging the Borrower's financial robustness by verifying asset statements and calculating assets. Collateral review includes examining appraisal reports to finalize decision-making processes. Your success will be measured by your ability to consistently achieve exceptional CSAT scores and other customer satisfaction indicators. It will be crucial to maintain strict adherence to regulatory compliance standards and strive for exemplary quality scores. Meeting and exceeding process-specific metrics while complying with SOPs will be key to your role. Additionally, you will be expected to adhere to schedules diligently to effectively meet operational timelines. Join us at ThoughtFocus in Mysore for this full-time on-site opportunity and contribute to our commitment to innovation and operational excellence in the financial services sector.,

As a Risk & Credit Manager, you will be responsible for leading our credit risk strategy, adjudication processes, and decision models. Your expertise in credit policy and underwriting, combined with hands-on experience in advanced risk analytics and machine learning algorithms, will be crucial in strengthening our risk management framework. You will drive data-driven decision-making and implement scalable credit strategies that balance growth with robust portfolio quality. Your key responsibilities will include overseeing and improving credit adjudication policies, designing and monitoring machine learning-based credit risk models, building portfolio monitoring dashboards, and using actionable insights from credit performance data to refine policy and product features. Collaboration with cross-functional teams and ensuring compliance with internal risk policies and external regulatory guidelines will also be a part of your role. To be successful in this role, you should have 5-10 years of experience in Credit Risk, Underwriting, or Credit Policy roles within NBFCs, Banks, or Fintechs. Hands-on experience in designing and implementing credit adjudication frameworks, a good understanding of machine learning algorithms, exposure to global best practices in credit risk, and strong analytical skills are required. Additionally, you should have a proven track record of process improvement initiatives and excellent stakeholder management and communication skills. Joining our team will provide you with the opportunity to work on cutting-edge credit products, build next-generation risk management frameworks, and experiment with new data sources, tools, and algorithms in a collaborative and merit-driven work culture. If you are a graduate/postgraduate in Finance, Statistics, Economics, or a relevant quantitative field and looking for a Full-time, Permanent role with benefits such as flexible schedule, health insurance, leave encashment, paid sick time, paid time off, and provident fund, we look forward to having you on board.,

Skill required: Asset Management - Asset Portfolio Analysis Designation: Capital Markets Operations Sr Analyst Qualifications: Any Graduation Years of Experience: 5 to 8 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? Manages a team of professionals and staff assigned to report on client portfolio performance and proactively solves for client needs. Investment Performance and Analysis is the responsibility unit to measure performance against the benchmark. Manages professionals and/or supervisors is accountable for the performance and results of a team within the department. Executes business plans and contributes to the development of team and area strategy. Decisions are guided by policies, methods, standards, and business plans; receives guidance and oversight from manager You will be working as a part of Investment Banking team which specializes primarily in selling securities and underwriting the issuance of new equity shares to raise capital funds. They act as intermediaries between security issuers and investors and help new firms to public. Structure and conduct analysis on the business portfolio of a company to assess baseline performance and make suggestions on how to improve overall portfolio performance in part or in whole. What are we looking for? Bachelor s degree or the equivalent combination of education and relevant experience AND 7-9 years of total relevant work experience Strong understanding of Portfolio Analysis including performance and attribution calculations methodology Experience in using Factset (B-one, SPAR, and PA) is a plus Experience in using MorningStar Direct, Aladdin or Bloomberg is an advantage Strong Excel Skills and programing Language particularly Power query or SQL is high desirable Strong understanding of various investment processes (equity, fixed income, multi assets and alternative) Well-rounded knowledge of Asset Management operational workflows Highly organized and proactive Ability to multitask and with strong attention to detail Ability to interact and communicate effectively Ability to work in a high-pressure environment with tight deadlines Audit and controls focused Must be a team player Roles and Responsibilities: As a performance analyst, you will be focused on ensuring the accurate and timely delivery of investment performance and analytical reporting for various stakeholder s that include Portfolio Managers, Client Groups (Sales and Marketing) and Senior Management Review performance and portfolio analytics for use in client reports Attend to queries on fund and / or attribution results Attend to requests from fund managers, client portfolio managers, sales & marketing on performance and attribution Produce peer fund comparison analysis based on MorningStar Direct Provide support to the Transition team and the salles team for all transition activities (onboarding of new funds, asset transfer, fund termination, etc) Manage the performance – specific change process with our partners (includes raising change requests, follow-up, testing and validations) Maintain the list of GIPs composite and provide assurance that the firms complies with GIP’s standards Maintain stakeholder relationships and manage expectations Identify and execute continuous process improvement and automations Maintain Portfolio data to ensure accurate performance calculations, Any Graduation

You will be joining Accurate Risk Managers and Insurance Brokers, a reputable Insurance Consulting and Risk Advisory firm. As an Underwriting Employee Benefit Specialist, your primary responsibility will involve evaluating insurance applications, assessing risk levels, determining coverage terms, and ensuring policy compliance. This role is based in Pune and requires your presence on-site full-time. Your daily tasks will include reviewing applications, analyzing data, coordinating with clients and team members, and preparing quotes. In addition, you will be interacting with customers and insurance companies, managing data, staying updated on industry trends and regulations, and continuously enhancing your knowledge in the field. To excel in this role, you must possess experience in Underwriting, Risk Assessment, and Policy Compliance specifically for Employee benefits like GMC/GPA/GTL. Strong analytical and data analysis skills are essential, along with excellent communication, interpersonal skills, and proficiency in advanced Excel. Attention to detail, the ability to work under pressure, and proficiency in using underwriting software and tools are key requirements. Moreover, you should be comfortable working both independently and collaboratively as part of a team. Previous experience in Employee Benefits would be advantageous. A Bachelor's degree in Insurance, Business Administration, or a related field is necessary. Additionally, you must be ready to travel, hold a two-wheeler license, and be based in or near Pune - specifically in Kothrud. If you are seeking a challenging role where you can leverage your underwriting expertise, contribute to risk management activities, and engage with a dynamic team, we encourage you to apply and be part of our mission to provide tailored risk solutions and valuable insights to our clients.,

As a Manager - Insurance Training in Noida, you will play a crucial role in supporting a leading player in the UK Insurance domain. With 8-10 years of experience, you will utilize your expertise in General Insurance, Health, and Property & Casualty (P&C) to deliver comprehensive training programs. Your responsibilities will include designing, developing, and executing end-to-end training initiatives for operational teams across Insurers, Brokers, and MGA environments. Your key responsibilities will involve creating training materials, conducting new hire onboarding sessions, and delivering specialized training on Underwriting, Claims Management, Finance Operations, and Customer Service. You will evaluate learner performance, monitor training effectiveness, and collaborate with stakeholders to enhance team productivity. Additionally, you will maintain training records, facilitate virtual training sessions, and manage learning through LMS tools. To excel in this role, you should possess a minimum of 8-10 years of training experience in the Insurance domain, preferably in KPO/BPO/Shared Services environments. Your strong domain knowledge of General Insurance, Health Insurance, and P&C products will be essential. Proficiency in developing e-learning and blended learning content, along with excellent communication and presentation skills, will be key to your success. Experience with MS PowerPoint, Learning Management Systems (LMS), and platforms like Zoom or Microsoft Teams will be beneficial. Relevant certifications in Insurance or Training & Development (e.g., CII, LOMA, CIPD) would be advantageous. By leveraging your expertise and skills in insurance training, you will contribute significantly to the growth and success of the organization in the Insurance sector.,

Cowbell is signaling a new era in cyber insurance by harnessing technology and data to provide small and medium-sized enterprises (SMEs) with advanced warning of cyber risk exposures bundled with cyber insurance coverage adaptable to the threats of today and tomorrow. Championing adaptive insurance, Cowbell follows policyholders" cyber risk exposures as they evolve through continuous risk assessment and continuous underwriting. In its unique AI-based approach to risk selection and pricing, Cowbell's underwriting platform, powered by Cowbell Factors, compresses the insurance process from submission to issue to less than 5 minutes. Founded in 2019 and based in the San Francisco Bay Area, Cowbell has rapidly grown, now operating across the U.S., Canada, U.K., and India. This growth was recently bolstered by a successful Series C fundraising round of $60 million from Zurich Insurance. This investment not only underscores the confidence in Cowbell's mission but also accelerates our capacity to revolutionize cyber insurance on a global scale. With the backing of over 25 prominent reinsurance partners, Cowbell is poised to redefine how SMEs navigate the evolving landscape of cyber threats. We are seeking a proactive and detail-oriented Sales & Underwriting Support Associate to join our team in Pune. This role is designed to provide critical administrative and operational support to our UK and US Sales and Underwriting teams. The ideal candidate will assist with both day-to-day tasks and long-term initiatives, helping to streamline operations, improve efficiency, and enable the sales teams to focus on strategic activities. **What you will do:** - Maintain and update Salesforce contact records and territory assignments. - Assign new leads and contacts to appropriate states and sales territories. - Collaborate with partners (e.g., Keystone, ISU, Fortified) to support monthly reporting and commission tracking. - Support UK renewals by generating quotes and preparing documentation for underwriter review, similar to a Renewal Account Executive (RAE). - Manage policy binders and subjectivities for the UK market, filling a current gap in Underwriting Assistant (UA) support. - Format and process bulk uploads on a monthly basis with precision and consistency. - Conduct TOBA (Terms of Business Agreement) due diligence and facilitate onboarding for new agencies and users onto the platform. - Participate in the mapping and management of agency locations within internal platforms to support territory planning and performance analysis. **What we need from you:** - Bachelor's degree in Business Administration, Insurance, or a related field. - 2-4 years of experience in sales support, underwriting operations, or a similar administrative function within the insurance or fintech sector. - Familiarity with Salesforce or similar CRM systems required. - Strong Excel and data formatting skills; experience with bulk data uploads is a plus. - Knowledge of UK and US insurance processes is desirable but not mandatory. **Skills and Competencies:** - Excellent attention to detail and organizational skills. - Strong communication and collaboration abilities, especially across international teams. - Ability to work independently, manage multiple tasks, and meet tight deadlines. - Proactive problem-solving mindset with a willingness to learn. **What Cowbell brings to the table:** - Employee equity plan for all and wealth enablement plan for select customer facing roles. - Comprehensive wellness program, meditation app subscriptions, lunch and learn, book club, happy hours and much more. - Professional development and the opportunity to learn the ins and outs of cyber insurance, cyber security as well as continuing to build your professional skills in a team environment. Cowbell is a leading innovator in cyber insurance, dedicated to empowering businesses to always deliver their intended outcomes as the cyber threat landscape evolves. Guided by our core values of TRUETransparency, Resiliency, Urgency, and Empowermentwe are on a mission to be the gold standard for businesses to understand, manage, and transfer cyber risk. At Cowbell, we foster a collaborative and dynamic work environment where every employee is empowered to contribute and grow. We pride ourselves on our commitment to transparency and resilience, ensuring that we not only meet but exceed industry standards. We are proud to be an equal opportunity employer, promoting a diverse and inclusive workplace where all voices are heard and valued. Our employees enjoy competitive compensation, comprehensive benefits, and continuous opportunities for professional development.,

The company is seeking an individual with expertise in underwriting technology infrastructure projects, specifically in the semiconductor domain. You will be responsible for assisting the leadership team in completing the final investment due diligence process for a $500M cross-border semiconductor manufacturing project in India and the USA. Your main responsibilities will include reviewing and responding to due diligence questionnaires from global investors and fund managers, providing a detailed underwriting analysis of the semiconductor project, and supporting documentation related to financial modeling, technology validation, operational planning, risk identification, and compliance with relevant standards. You will also act as a technical-underwriting contact in discussions with investors and ensure compliance with US SEC, UK FCA, and RBI norms. The ideal candidate should have at least 10 years of experience in underwriting large-scale technology or semiconductor projects, exposure to due diligence reviews for venture capital, PE, or sovereign fund investments, a strong technical understanding of semiconductor manufacturing, and experience working with leading chip firms. Familiarity with cross-jurisdictional financial structuring is also required. The engagement duration for this role is from July 15 to August 31, 2025, with a possibility of extension for advisory support during fund disbursal or board review. To apply or refer someone for this role, please send your resume or reference to devdutta@msn.com with the subject line: Semiconductor Project Underwriter Due Diligence Role.,

The job role involves evaluating credit requirements of potential customers in various segments such as Commercial vehicle, Infrastructure, and Dealer Finance. This includes underwriting and preparing credit assessment notes with a detailed analysis of business, management, and financials. The role also requires conducting Balance Sheet and other financial statement analysis to identify risk factors. Regular market, competitor, and dealer visits are essential to stay updated on market changes and proactively address challenges. Timely processing of proposals within the specified Turnaround Time (TAT) is crucial for a better time-to-market. Ensuring compliance with the terms and conditions of sanctions by coordinating with Relationship Managers (RMs) and the company is a key responsibility. Continuous monitoring of Infant Delinquencies is also part of the job role. The job requires 3 to 8 years of experience along with an MBA in Finance or a CA qualification. Previous experience as a Credit Analyst or Credit Manager is preferred for this role.,

You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. Your core responsibilities will include reviewing and assessing a broad range of complex loan applications within defined guidelines, underwriting proposals as per policies and procedures, conducting personal discussions with customers to establish creditworthiness, maintaining various MIS reports, building effective relationships with third parties, exceeding service quality standards, and facilitating quick turnaround time for credit lending proposals. You will need to have in-depth knowledge of income to obligation ratios, loan to value ratios, and be able to critically review credit proposals to identify risks. Additionally, you will ensure collateral and credit risk mitigation, monitor credit exposures, and manage the credit underwriting function of the branch. Recovery of quick mortality cases will also be part of your responsibilities. Qualifications required for this role include a Graduate degree, with preference given to candidates with Masters/Post Graduate qualifications. Certifications such as CA/MBA are also preferable for this position.,

Warm Greetings from Rivera Manpower Services Hiring Mortgage Underwriter (US/Australian Market) Location: Bangalore Shift: Australian Shift CTC: Based on experience Call & Book Your Interview Slot: 7829336034 / 7829336202 /8884777961 Eligibility Criteria: Minimum 1 year of experience in mortgage underwriting Experience with US or Australian mortgage market is mandatory Graduates or Postgraduates can apply Excellent analytical and communication skills Immediate joiners only Roles & Responsibilities: Perform underwriting decisions based on income (W2 wage earner, self-employed), assets, credit, collateral, title, and risk Review and verify borrower loan applications 1003, 1008, AUS findings, and appraisal reports Calculate LTC/CLTV and HTI/DTI to ensure compliance with FNMA, FHLMC and other regulatory agencies Conduct thorough 4C’s analysis – Credit, Capacity, Capital, and Collateral Perform due diligence and auditing of residential mortgage files in the primary market Verify and audit mortgage insurance, homeowner’s insurance, flood certificates/insurance , and other supporting documents Review credit reports to assess borrower liabilities Join a dynamic team and enhance your mortgage underwriting career with global exposure. Call now to apply! 7829336034 / 7829336202 / 9986267393

Company Description WNS (Holdings) Limited (NYSE: WNS), is a leading Business Process Management (BPM) company. We combine our deep industry knowledge with technology and analytics expertise to co-create innovative, digital-led transformational solutions with clients across 10 industries. We enable businesses in Travel, Insurance, Banking and Financial Services, Manufacturing, Retail and Consumer Packaged Goods, Shipping and Logistics, Healthcare, and Utilities to re-imagine their digital future and transform their outcomes with operational excellence.We deliver an entire spectrum of BPM services in finance and accounting, procurement, customer interaction services and human resources leveraging collaborative models that are tailored to address the unique business challenges of each client. We co-create and execute the future vision of 400+ clients with the help of our 44,000+ employees. Job Description Key Responsibilities: ETL Development and Maintenance: Design, develop, and implement ETL processes using SSIS to support data integration and warehousing requirements. Maintain and enhance existing ETL workflows to ensure data accuracy and integrity. Collaborate with data analysts, data architects, and other stakeholders to understand data requirements and translate them into technical specifications. Extract, transform, and load data from various source systems into the data warehouse. Perform data profiling, validation, and cleansing to ensure high data quality. Monitor ETL processes to ensure timely and accurate data loads. Write and optimize complex SQL queries to extract and manipulate data. Work with SQL Server to manage database objects, indexes, and performance tuning. Ensure data security and compliance with industry standards and regulations. Business Intelligence and Reporting: Develop and maintain interactive dashboards and reports using Power BI or SSRS. Collaborate with business users to gather requirements and create visualizations that provide actionable insights. Integrate Power BI with other data sources and platforms for comprehensive reporting. Scripting and Automation: Utilize Python for data manipulation, automation, and integration tasks. Develop scripts to automate repetitive tasks and improve efficiency. Insurance Domain Expertise: Leverage knowledge of insurance industry processes and terminology to effectively manage and interpret insurance data. Work closely with business users and stakeholders within the insurance domain to understand their data needs and provide solutions. Qualifications Required Skills and Qualifications: Technical Skills: Proficient in SQL and experience with SQL Server. Strong experience with SSIS for ETL development and data integration. Proficiency in Python for data manipulation and scripting. Experience with Power BI/SSRS for developing interactive dashboards and reports. Knowledge of data warehousing concepts and best practices. Domain Knowledge: Solid understanding of insurance industry processes, terminology, and data structures. Experience working with insurance-related data, such as policies, claims, underwriting, and actuarial data. Additional Skills: Strong problem-solving and analytical skills. Excellent communication and collaboration abilities.

Risk Assessment and Underwriting ﾧ Review technical proposals received from various retail and corporate customers so as to ensure risk undertaken is as per guidelines. ﾧ Evaluate proposal thoroughly considering past claims/cases and assess conformance with the set underwriting guidelines; seek more information on proposals, customers, if required. ﾧ Conduct 360 degree review of risks along with any associated loss ratio; set standard terms and conditions for the proposal ﾧ Arrive at the quotes; discuss the same with the superior, if required; provide clarifications to the customer / relationship manager / intermediary , if required ﾧ Scrutinize the proposals received and assess adherence to the norms, guidelines and if the premium considered is correct and accounts for associated risk; share the information with the National Head, if there is a deviation ﾧ Review and revise Underwriting guidelines and SOPs, on an annual basis. Premium Growth and Audits ﾧ Visit the locations and meet major IMDs; understand problem areas and issues / concerns ﾧ Provide guidance, if required and resolve any issues / concerns from IMDs ﾧ Clarify organization guidelines, premium calculation and probable risks which should be accounted for when arriving at the premium rates for policy issuances; share business understanding, past cases and spread awareness within the team on risk assessment and mitigation ﾧ Conduct sample audits across the zones to check for non-adherence to company guidelines; seek clarifications from the team and draft the report; share the report with the National Head ﾧ Face internal and external (IRDA) audit while ensuring all audit requirements are fulfilled in a timely and effective manner. Take corrective actions in collaboration with NHOD as per audit findings. Projects / Special Initiatives ﾧ Take up special projects / initiatives to strengthen the organizational processes, systems and governance systems. ﾧ Collaborate with different teams to provide them the perspective from the technical (underwriting) perspective including challenges faced real-time with agents / IMDs; provide inputs on improving functionality as well reduce workload in repetitive tasks ﾧ Collaborate with Product Development Team for new product filing and revisions in existing products for the LOB. ﾧ Work with teams to ensure all underwriting guidelines / norms / calculators are properly built-in; conduct simulations across test cases and ensure that everything is in line with the set expectations ﾧ Present the new (or modified) functionality to the relevant stakeholders; seek feedback and incorporate the same to strengthen the system for users ﾧ Drive implementation or launch of the new functionality (or modified) / system and ensure a streamlined deployment; provide training to underwriting teams / IMDs on utilizing the same to deliver business for the organization Product Training ﾧ Drive implementation of various training efforts in case of new / existing product launch in terms of premium calculation; product nuances, etc.; clarify doubts and resolve concerns, if any ﾧ Assess areas of improvement amongst the IMDs and provide effective training to them; address development issues / concerns and enable them to drive sales for the organization in an effective manner ﾧ Training Content Development for various training programs to be conducted internally and externally. Data Analysis ﾧ Analyze the growth achieved across zones and whether the loss ratio is controlled across zones ﾧ Identify areas requiring special attention ﾧ Chart out insights from the data ﾧ Share the analysis report with the National Head and other relevant stakeholders regularly Reinsurance and Co-insurance for Liability LOB ﾧ Arrange Facultative Reinsurance to maximize the business while ensuring effective risk transfer. Also, ensure complete, compliant & timely risk placements through RI brokers and Reinsurers. ﾧ Ensure timely Reinsurance Bordereau submission, so as to be compliant with Treaty Guidelines. ﾧ Maintain Single Risk Report as per guidelines stated by the Treaty Leader ( compliance ). Claims Review ﾧ Prepare reports for specific complex claims so as to enable Claims to take the right decision wrt Claims Payment.

Risk Assessment and Underwriting Review technical proposals received from various retail and corporate customers so as to ensure risk undertaken is as per guidelines. Evaluate proposal thoroughly considering past claims/cases and assess conformance with the set underwriting guidelines; seek more information on proposals, customers, if required. Conduct 360 degree review of risks along with any associated loss ratio; set standard terms and conditions for the proposal Arrive at the quotes; discuss the same with the superior, if required; provide clarifications to the customer / relationship manager / intermediary , if required Scrutinize the proposals received and assess adherence to the norms, guidelines and if the premium considered is correct and accounts for associated risk; share the information with the National Head, if there is a deviation Review and revise Underwriting guidelines and SOPs, on an annual basis. Premium Growth and Audits Visit the locations and meet major IMDs; understand problem areas and issues / concerns Provide guidance, if required and resolve any issues / concerns from IMDs Clarify organization guidelines, premium calculation and probable risks which should be accounted for when arriving at the premium rates for policy issuances; share business understanding, past cases and spread awareness within the team on risk assessment and mitigation Conduct sample audits across the zones to check for non-adherence to company guidelines; seek clarifications from the team and draft the report; share the report with the National Head Face internal and external (IRDA) audit while ensuring all audit requirements are fulfilled in a timely and effective manner. Take corrective actions in collaboration with NHOD as per audit findings. Projects / Special Initiatives Take up special projects / initiatives to strengthen the organizational processes, systems and governance systems. Collaborate with different teams to provide them the perspective from the technical (underwriting) perspective including challenges faced real-time with agents / IMDs; provide inputs on improving functionality as well reduce workload in repetitive tasks Collaborate with Product Development Team for new product filing and revisions in existing products for the LOB. Work with teams to ensure all underwriting guidelines / norms / calculators are properly built-in; conduct simulations across test cases and ensure that everything is in line with the set expectations Present the new (or modified) functionality to the relevant stakeholders; seek feedback and incorporate the same to strengthen the system for users Drive implementation or launch of the new functionality (or modified) / system and ensure a streamlined deployment; provide training to underwriting teams / IMDs on utilizing the same to deliver business for the organization Product Training Drive implementation of various training efforts in case of new / existing product launch in terms of premium calculation; product nuances, etc.; clarify doubts and resolve concerns, if any Assess areas of improvement amongst the IMDs and provide effective training to them; address development issues / concerns and enable them to drive sales for the organization in an effective manner Training Content Development for various training programs to be conducted internally and externally. Data Analysis Analyze the growth achieved across zones and whether the loss ratio is controlled across zones Identify areas requiring special attention Chart out insights from the data Share the analysis report with the National Head and other relevant stakeholders regularly Reinsurance and Co-insurance for Liability LOB Arrange Facultative Reinsurance to maximize the business while ensuring effective risk transfer. Also, ensure complete, compliant & timely risk placements through RI brokers and Reinsurers. Ensure timely Reinsurance Bordereau submission, so as to be compliant with Treaty Guidelines. Maintain Single Risk Report as per guidelines stated by the Treaty Leader (compliance). Claims Review Prepare reports for specific complex claims so as to enable Claims to take the right decision wrt Claims Payment.

Risk Assessment and Underwriting Underwriting decisions based on underwriting authority and individual policies/programs Provide technical inputs and advisory to the market on emerging risks and changing scenarios Review technical and complex proposal to offer effective solutions Evaluate proposal thoroughly considering past claims/cases and assess conformance with underwriting guidelines Conduct 360 degree review of risks along with any associated loss ratio; decide on standard terms and conditions for the proposal Arrive at the quotes to covert accounts in our favor Premium Growth and Renewal retention Develop relationships with broking RMs and IMDs Negotiate terms & Ensure presence on accounts especially the high volume SME business Advise clients and IMDs on products and covers Visit the clients and IMDs; understand problem areas and issues / concerns Provide guidance, if required and resolve any issues / concerns analyze data to draw conclusions on performance and areas of opportunity Projects / Special Initiatives Take up special projects / initiatives aimed at premium growth or strengthening the organizational processes & systems Product Training Drive implementation of various training efforts in case of new / existing product launch in terms of premium calculation; product nuances, etc.; clarify doubts and resolve concerns, if any Assess areas of improvement amongst the IMDs and provide effective training to them; address development issues / concerns and enable them to drive sales for the organization in an effective manner Training Content Development for various training programs to be conducted Manage centrally led underwriting and aid in central activities BFL, Policy Bazaar and other web sales policies and partners - high volume and quick TAT Manage and build pipeline for bundling business through various partners Consolidate RI bordereaux for accurate cession and RI closings Support in Audits Support the global accounts team and take underwriting and cession decisions for global account

Business strategy and planning Understanding the market within the region to identify potential partners and creating new business opportunities by pitching and liaising with them. Monitoring loss ratios and recommending counter measures for profitable growth. Supporting the team by providing inputs and monitoring team productivity on a regular basis to ensure maximum revenue from targeted partners Analyzing trends and identifying loss making areas to devise a plan of action for conscious reduction in business and recommend closure in those areas. Monitoring Direct/ Indirect expenses such as commissions, incentive parameters, administrative expenses, and applying control measures to curb them. Relationship management Managing relationship with existing partners and building tie-ups with new partners to increase opportunities to generate business and expand the intermediary network Tapping into the existing network of intermediaries to generate maximum business within the region Engaging with the key accounts team for support in managing and servicing the tie-up partners effectively Engaging with the cross functional teams such as Underwriting, Operations and Finance to ensure seamless execution of work. Regional review Monitoring the key metrics to evaluate performance of the team and conduct regular reviews against defined metrics Engaging with team to discuss issues/ challenges faced and provide solutions to address/ resolve them Conducting periodic reviews with partners to drive business numbers and address any concerns which may be hampering business. Identify system/ process improvement required to support team in smooth delivery of their responsibilities Continuously interact with the underwriting team especially for review of proposals/ risk assessment of tie-ups

Risk Assessment and Underwriting Review technical proposals received from various retail and corporate customers so as to ensure risk undertaken is as per guidelines. Evaluate proposal thoroughly considering past claims/cases and assess conformance with the set underwriting guidelines; seek more information on proposals, customers, if required. Conduct 360 degree review of risks along with any associated loss ratio; set standard terms and conditions for the proposal Arrive at the quotes; discuss the same with the superior, if required; provide clarifications to the customer / relationship manager / intermediary , if required Scrutinize the proposals received and assess adherence to the norms, guidelines and if the premium considered is correct and accounts for associated risk; share the information with the National Head, if there is a deviation Review and revise Underwriting guidelines and SOPs, on an annual basis. Premium Growth and Audits Visit the locations and meet major IMDs; understand problem areas and issues / concerns Provide guidance, if required and resolve any issues / concerns from IMDs Clarify organization guidelines, premium calculation and probable risks which should be accounted for when arriving at the premium rates for policy issuances; share business understanding, past cases and spread awareness within the team on risk assessment and mitigation Conduct sample audits across the zones to check for non-adherence to company guidelines; seek clarifications from the team and draft the report; share the report with the National Head Face internal and external (IRDA) audit while ensuring all audit requirements are fulfilled in a timely and effective manner. Take corrective actions in collaboration with NHOD as per audit findings. Projects / Special Initiatives Take up special projects / initiatives to strengthen the organizational processes, systems and governance systems. Collaborate with different teams to provide them the perspective from the technical (underwriting) perspective including challenges faced real-time with agents / IMDs; provide inputs on improving functionality as well reduce workload in repetitive tasks Collaborate with Product Development Team for new product filing and revisions in existing products for the LOB. Work with teams to ensure all underwriting guidelines / norms / calculators are properly built-in; conduct simulations across test cases and ensure that everything is in line with the set expectations Present the new (or modified) functionality to the relevant stakeholders; seek feedback and incorporate the same to strengthen the system for users Drive implementation or launch of the new functionality (or modified) / system and ensure a streamlined deployment; provide training to underwriting teams / IMDs on utilizing the same to deliver business for the organization Product Training Drive implementation of various training efforts in case of new / existing product launch in terms of premium calculation; product nuances, etc.; clarify doubts and resolve concerns, if any Assess areas of improvement amongst the IMDs and provide effective training to them; address development issues / concerns and enable them to drive sales for the organization in an effective manner Training Content Development for various training programs to be conducted internally and externally. Data Analysis Analyze the growth achieved across zones and whether the loss ratio is controlled across zones Identify areas requiring special attention Chart out insights from the data Share the analysis report with the National Head and other relevant stakeholders regularly Reinsurance and Co-insurance for Liability LOB Arrange Facultative Reinsurance to maximize the business while ensuring effective risk transfer. Also, ensure complete, compliant & timely risk placements through RI brokers and Reinsurers. Ensure timely Reinsurance Bordereau submission, so as to be compliant with Treaty Guidelines. Maintain Single Risk Report as per guidelines stated by the Treaty Leader (compliance). Claims Review Prepare reports for specific complex claims so as to enable Claims to take the right decision wrt Claims Payment. Risk Assessment and Underwriting Review technical proposals received from various retail and corporate customers so as to ensure risk undertaken is as per guidelines. Evaluate proposal thoroughly considering past claims/cases and assess conformance with the set underwriting guidelines; seek more information on proposals, customers, if required. Conduct 360 degree review of risks along with any associated loss ratio; set standard terms and conditions for the proposal Arrive at the quotes; discuss the same with the superior, if required; provide clarifications to the customer / relationship manager / intermediary , if required Scrutinize the proposals received and assess adherence to the norms, guidelines and if the premium considered is correct and accounts for associated risk; share the information with the National Head, if there is a deviation Review and revise Underwriting guidelines and SOPs, on an annual basis. Premium Growth and Audits Visit the locations and meet major IMDs; understand problem areas and issues / concerns Provide guidance, if required and resolve any issues / concerns from IMDs Clarify organization guidelines, premium calculation and probable risks which should be accounted for when arriving at the premium rates for policy issuances; share business understanding, past cases and spread awareness within the team on risk assessment and mitigation Conduct sample audits across the zones to check for non-adherence to company guidelines; seek clarifications from the team and draft the report; share the report with the National Head Face internal and external (IRDA) audit while ensuring all audit requirements are fulfilled in a timely and effective manner. Take corrective actions in collaboration with NHOD as per audit findings. Projects / Special Initiatives Take up special projects / initiatives to strengthen the organizational processes, systems and governance systems. Collaborate with different teams to provide them the perspective from the technical (underwriting) perspective including challenges faced real-time with agents / IMDs; provide inputs on improving functionality as well reduce workload in repetitive tasks Collaborate with Product Development Team for new product filing and revisions in existing products for the LOB. Work with teams to ensure all underwriting guidelines / norms / calculators are properly built-in; conduct simulations across test cases and ensure that everything is in line with the set expectations Present the new (or modified) functionality to the relevant stakeholders; seek feedback and incorporate the same to strengthen the system for users Drive implementation or launch of the new functionality (or modified) / system and ensure a streamlined deployment; provide training to underwriting teams / IMDs on utilizing the same to deliver business for the organization Product Training Drive implementation of various training efforts in case of new / existing product launch in terms of premium calculation; product nuances, etc.; clarify doubts and resolve concerns, if any Assess areas of improvement amongst the IMDs and provide effective training to them; address development issues / concerns and enable them to drive sales for the organization in an effective manner Training Content Development for various training programs to be conducted internally and externally. Data Analysis Analyze the growth achieved across zones and whether the loss ratio is controlled across zones Identify areas requiring special attention Chart out insights from the data Share the analysis report with the National Head and other relevant stakeholders regularly Reinsurance and Co-insurance for Liability LOB Arrange Facultative Reinsurance to maximize the business while ensuring effective risk transfer. Also, ensure complete, compliant & timely risk placements through RI brokers and Reinsurers. Ensure timely Reinsurance Bordereau submission, so as to be compliant with Treaty Guidelines. Maintain Single Risk Report as per guidelines stated by the Treaty Leader (compliance). Claims Review Prepare reports for specific complex claims so as to enable Claims to take the right decision wrt Claims Payment.

Cattle Insurance Claims Management (Any Project done in National Dairy Development Board (NDDB) will be preferred) B.V.Sc & AH, M.V.Sc (Bachelors in Vetenerary Science & Animal Husbandry) An MBA from Institute of Rural Management- Anand (IRMA) /KIIT School of Rural Management (KSRM)/Institute of Rural Management (IRM)-Jaipur /Xavier Institute of Management- Bhubaneswar (XIMB) or any other MBA in Rural Management

Risk Assessment and Underwriting Underwriting decisions based on underwriting authority and specified individual policies/programs - Provide technical inputs and advisory to the market on emerging risks and changing scenarios Review technical and complex proposal to offer effective solutions Evaluate proposal thoroughly considering past claims/cases and assess conformance with underwriting guidelines Conduct 360 degree review of risks along with any associated loss ratio; decide on standard terms and conditions for the proposal Arrive at the quotes to covert accounts in our favor Premium Growth and Renewal retention Develop relationships with broking RMs and IMDs Negotiate terms & Ensure presence on accounts especially the high volume SME business Advise clients and IMDs on products and covers Visit the clients and IMDs; understand problem areas and issues / concerns Provide guidance, if required and resolve any issues / concerns analyze data to draw conclusions on performance and areas of opportunity Projects / Special Initiatives Take up special projects / initiatives aimed at premium growth or strengthening the organizational processes & systems Product Training Drive implementation of various training efforts in case of new / existing product launch in terms of premium calculation; product nuances, etc.; clarify doubts and resolve concerns, if any Assess areas of improvement amongst the IMDs and provide effective training to them; address development issues / concerns and enable them to drive sales for the organization in an effective manner Training Content Development for various training programs to be conducted Manage centrally led underwriting and aid in central activities BFL, Policy Bazaar and other web sales policies and partners - high volume and quick TAT Manage and build pipeline for bundling business through various partners Consolidate RI bordereaux for accurate cession and RI closings Support in Audits Support the global accounts team and take underwriting and cession decisions for global accounts- book size

Risk Assessment and Underwriting ﾧ Review technical proposals received from various retail and corporate customers so as to ensure risk undertaken is as per guidelines. ﾧ Evaluate proposal thoroughly considering past claims/cases and assess conformance with the set underwriting guidelines; seek more information on proposals, customers, if required. ﾧ Conduct 360 degree review of risks along with any associated loss ratio; set standard terms and conditions for the proposal ﾧ Arrive at the quotes; discuss the same with the superior, if required; provide clarifications to the customer / relationship manager / intermediary , if required ﾧ Scrutinize the proposals received and assess adherence to the norms, guidelines and if the premium considered is correct and accounts for associated risk; share the information with the National Head, if there is a deviation ﾧ Review and revise Underwriting guidelines and SOPs, on an annual basis. Premium Growth and Audits ﾧ Visit the locations and meet major IMDs; understand problem areas and issues / concerns ﾧ Provide guidance, if required and resolve any issues / concerns from IMDs ﾧ Clarify organization guidelines, premium calculation and probable risks which should be accounted for when arriving at the premium rates for policy issuances; share business understanding, past cases and spread awareness within the team on risk assessment and mitigation ﾧ Conduct sample audits across the zones to check for non-adherence to company guidelines; seek clarifications from the team and draft the report; share the report with the National Head ﾧ Face internal and external (IRDA) audit while ensuring all audit requirements are fulfilled in a timely and effective manner. Take corrective actions in collaboration with NHOD as per audit findings. Projects / Special Initiatives ﾧ Take up special projects / initiatives to strengthen the organizational processes, systems and governance systems. ﾧ Collaborate with different teams to provide them the perspective from the technical (underwriting) perspective including challenges faced real-time with agents / IMDs; provide inputs on improving functionality as well reduce workload in repetitive tasks ﾧ Collaborate with Product Development Team for new product filing and revisions in existing products for the LOB. ﾧ Work with teams to ensure all underwriting guidelines / norms / calculators are properly built-in; conduct simulations across test cases and ensure that everything is in line with the set expectations ﾧ Present the new (or modified) functionality to the relevant stakeholders; seek feedback and incorporate the same to strengthen the system for users ﾧ Drive implementation or launch of the new functionality (or modified) / system and ensure a streamlined deployment; provide training to underwriting teams / IMDs on utilizing the same to deliver business for the organization Product Training ﾧ Drive implementation of various training efforts in case of new / existing product launch in terms of premium calculation; product nuances, etc.; clarify doubts and resolve concerns, if any ﾧ Assess areas of improvement amongst the IMDs and provide effective training to them; address development issues / concerns and enable them to drive sales for the organization in an effective manner ﾧ Training Content Development for various training programs to be conducted internally and externally. Data Analysis ﾧ Analyze the growth achieved across zones and whether the loss ratio is controlled across zones ﾧ Identify areas requiring special attention ﾧ Chart out insights from the data ﾧ Share the analysis report with the National Head and other relevant stakeholders regularly Reinsurance and Co-insurance for Liability LOB ﾧ Arrange Facultative Reinsurance to maximize the business while ensuring effective risk transfer. Also, ensure complete, compliant & timely risk placements through RI brokers and Reinsurers. ﾧ Ensure timely Reinsurance Bordereau submission, so as to be compliant with Treaty Guidelines. ﾧ Maintain Single Risk Report as per guidelines stated by the Treaty Leader ( compliance ). Claims Review ﾧ Prepare reports for specific complex claims so as to enable Claims to take the right decision wrt Claims Payment.

Job Summary This role is responsible for managing and leading teams encompassing various levels of contributors, ensuring defined performance objectives, resource allocation, and efficient resolution of credit and collection matters. The role aligns metrics with corporate goals, oversees credit and collection operations at a regional or CoE level, and collaborates across internal departments to address non-payment issues. The role evaluates credit risk, negotiates with high-value customers, drives resolution for challenges, and fosters talent development while providing expert leadership. Responsibilities Manages and leads teams comprising individual contributors, supervisors and/or lower-level managers, by defining and monitoring performance objectives, allocating resources and staff, and ensuring the prompt and effective resolution of credit decisions and collection matters. Aligns individual metrics with corporate objectives and identifies talent for development opportunities. Manages credit and collection operations at a regional, sub-regional, or Center of Excellence (CoE) level, driving efficient processes. Collaborates with employees across internal departments, including executive levels, to address issues, particularly those contributing to non-payment situations. Evaluates the appropriate degree of credit risk to extend to customers and presents well-supported arguments to management for credit decisions, possessing the authority to authorize credit per the established matrix. Negotiates with high-value and high-risk customers, including up to partner and upper management levels, regarding contracts, payment structures, and customer payments. Resolves challenges encountered with high-value and high-risk customers, ensuring effective resolution. Proposes structural enhancements to the organization aimed at optimizing efficiency and performance. Applies expert subject matter knowledge, shapes knowledge base across businesses, functions, or regions, and provides strong leadership, driving change initiatives and monitoring performance goals. Performs talent management responsibilities including recruitment, performance management, coaching and career development. US Shift - 3.30PM to 12.30 AM IST Education & Experience Recommended Four-year or Graduate Degree in Business Administration, Economics, Finance, or any other related discipline or commensurate work experience or demonstrated competence. Typically has 10+ years of job-related experience or 8-10 years of management experience, preferably in collection, credit, banking, or a related field. Preferred Certifications Certified Accounts Payable Professional (CAPP) Certified Credit Executive (CCE) Certified Professional in Credit and Collections (CPCC) Certified Management Accountant (CMA) Knowledge & Skills Accounting Accounts Receivable Auditing Billing Credit Management Credit Risk Customer Relationship Management Economics Finance Financial Services Invoicing Loans Portfolio Management Process Improvement Project Management Regulatory Compliance Risk Appetite Risk Management SAP Applications Underwriting Cross-Org Skills Customer Centricity Prioritization Resilience Team Management Strategic Thinking Impact & Scope Impacts large functions and leads projects requiring knowledge of multiple disciplines or areas of HP. Complexity Uses managerial concepts and company objectives to resolve highly complex issues in creative and effective ways. May achieve goals through subordinate supervisors. Disclaimer This job description describes the general nature and level of work performed in this role. It is not intended to be an exhaustive list of all duties, skills, responsibilities, knowledge, etc. These may be subject to change and additional functions may be assigned as needed by management.